Self-employed home loans
Working for yourself shouldn’t mean navigating home lending on your own. We help sole traders, company directors and business owners understand how lenders may assess their income and documents.
Make your income story clear
Different lenders assess self-employed income differently. Your business structure, trading history, financial results and existing commitments all play a part. A strong application starts with accurate information and a clear explanation of your circumstances.
Get the documents organised
Depending on the lender, you may need personal and business tax returns, notices of assessment, financial statements, business activity statements and bank statements. Blake will explain what is relevant rather than asking you to guess.
Alternative documentation is not no documentation
Some lenders may consider alternative ways to verify income for eligible borrowers. These options can have different rates, fees, deposit requirements and assessment criteria. They are not a way to avoid affordability checks.
Plan around business changes
A change in structure, a recent trading year or uneven income may need additional explanation. Speak with your accountant about your financial position and talk with Blake before making a property commitment.
Take the first step
Share a high-level overview of how long you have been trading and what you hope to do. We’ll work out what to explore next. All lending is subject to the lender’s eligibility, assessment and approval.
Let’s work out what fits.
Tell Blake a little about your plans. We’ll take it from there, one clear step at a time.